Research On Legal Issues Of Deposit Insurance System

Under the background of economic globalization,the development of the financial industry has become increasingly liberalized and internationalized,and the financial risks it has faced have also intensified.As a result,more and more countries have established deposit insurance systems as a stable financial system and protection.An important way of depositor equity.For a long time,China has always adopted a system of implicit full deposit protection,that is,it is guaranteed by state credit,but under such a system,it will impose a heavy burden on the People's Bank and various levels of government and is not in line with the goal of China's financial system reform.The entry into force of the Deposit Insurance Regulations on May 1,2015 marked the initial establishment of China's explicit deposit insurance system.The framework of the deposit insurance system was initially formed,supported by regulations,which made the basic system of the deposit insurance mechanism clear,but did not form a complete legal framework.However,the regulations are more of a principled provision,and many specific ones in practice.The legal system does not give clear and operability regulation,and it is necessary to further study it if it wants to play the role of the deposit insurance system.The research ideas of this paper are divided into the following four layers of logical structure: from the basic theory of deposit insurance legal system to the analysis of the problem of deposit insurance legal system,and then to the study and reference of the development of extraterritorial deposit insurance legal system,and finally to China's deposit insurance The legal system puts forward suggestions for improvement.In terms of basic theory,it analyzes and compares the difference between deposit insurance and general commercial insurance,and introduces the development status of deposit insurance system.In the aspect of problem analysis,it analyzes the relevant laws and regulations,the lack of supervision system,the imperfect system and the supporting measures have not followed up.In terms of establishing the development of the United States and Japan,introducing the development of the deposit insurance legal system in the United States and Japan,and summarizing the practices that can be used for reference;in terms of the improvement measures for the legal system of deposit insurance,the macro-level legal system,the regulatory system,the micro-specific deposit insurance system to the market related to the supporting measures,the market exit,credit rating system and other related systems,to clarify the development direction of China's deposit insurance system.